Compare Savings vs. CDs
Comparison of Deposit Account from DAWSON CO-OP with 1.15% - April 2025


Long-Term Analysis of DAWSON CO-OP with 1.15% APY and InsBank with 2.38% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    1.15%
    -
    $50,000
    36 Month
    Credit Union
    1.53x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.15%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 2
    ONLINE MONEY MARKET
    2.38%
    -
    $50,000
    N.A.
    Bank
    3.16x (National Avg. - 0.75%)
    $50,000
     
    SCENARIO
    Year Rate
    2.38%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,190 833
    2 51,190 1,218 853
    3 52,408 1,247 873
    4 53,656 1,277 894
    5 54,933 1,307 915
    6 56,240 1,339 937
    7 57,579 1,370 959
    8 58,949 1,403 982
    9 60,352 1,436 1,005
    10 61,788 1,471 1,029
    11 63,259 1,506 1,054
    12 64,764 1,541 1,079
    13 66,306 1,578 1,105
    14 67,884 1,616 1,131
    15 69,500 1,654 1,158
    16 71,154 1,693 1,185
    17 72,847 1,734 1,214
    18 74,581 1,775 1,243
    19 76,356 1,817 1,272
    20 78,173 1,861 1,302
    TOTAL $30,034 $21,024

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.10% on February 9.
    6 Month Jumbo CD.

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.15% on January 25.

    Last change: ↑0.20% on April 9.